Optima Property Blocks of flats (all risks)
|
|
- Barbra Ward
- 8 years ago
- Views:
Transcription
1 Optima Blocks of flats (all risks) This document is a guide to the cover provided under your Optima Blocks of Flats (All Risks) policy. It is only a summary and does not contain the full terms and conditions of the contract. For full details of your cover please read your insurance policy, your schedule (which indicates operative sections) and any endorsements that apply. A copy of your insurance policy booklet can be obtained by contacting your Insurance Advisor. Ageas Insurance Limited provides this insurance. Type of Insurance Period of Cover Blocks of Flats All Risks Owners Package 12 Months or as shown on the Schedule The law which applies to the contract The law of England and Wales unless agreed otherwise PROPERTY The section covers loss or damage to property insured from any cause not excluded Loss or damage caused by malicious persons, escape of water or oil, theft or attempted theft and breakage of glass or sanitaryware whilst the buildings are unoccupied or not in use The cost of wear and tear, lack of maintenance or other gradual deterioration Loss or damage caused by contractors on the premises carrying out substantial alterations or extensions to buildings, unless:- you advise us and we agree in advance appropriate precautions that we specify are complied with Theft:- from the open or an outbuilding of contents from furnished accommodation unless involving forcible and violent entry to the buildings Weather damage to fences, gates and other property in the open The first 250 of each and every loss (the excess) other than loss or damage caused by escape of water where a 500 excess will apply (Where the policy is extended to include subsidence, a higher excess will apply to subsidence damage) Pollution or contamination unless arising from a defined peril Malicious damage in Northern Ireland Loss or damage due solely to a change in the water table level Restriction: if the sum insured at the time of a loss is less than 85% of the total value of the property insured (including the costs of complying with relevant building legislation, debris removal costs and professional fees) the amount payable will be proportionately reduced Condition: if buildings are unoccupied for more than 21 consecutive days, you must let us know and put in place specific security, fire and weather protections for cover to continue contractors is defined in the Definitions contents of furnished accommodation is defined in the Definitions excess is defined in the Definitions defined peril is defined in the Definitions section of the policy
2 PROPERTY continued Day One Reinstatement conditions apply with a standard 15% uplift provided on sums insured Up to 500 for the cost of replacing locks in insured buildings following loss of keys Cover does not apply to theft of keys outside business hours or from any unoccupied building Up to 10,000 for the cost of repair to septic tanks and underground services (for which you are responsible) Up to 10,000 for the cost of refilling fire extinguisher equipment and resetting fire, intruder alarm and CCTV systems following insured damage The cost of metered water and gas charges following damage to the water or gas apparatus up to a maximum of 5,000 Up to 5,000 per loss ( 10,000 in any period of insurance) for costs of locating the source of escape of water from any apparatus in the buildings including repairs to walls floors and ceilings Loss or damage to furniture, furnishings and carpets in common parts of the buildings or whilst temporarily removed within the territorial limits for cleaning, alteration or repair Losses not discovered within 180 days or occurring when the buildings are unoccupied are not covered The cost of repairs to the water apparatus itself is excluded :- the greater of 5% of the buildings sum insured or 10,000 2,500 for property temporarily removed territorial limits is defined in the Definitions Up to 10,000 for unauthorised use of gas, water and electricity by persons taking possession of your property without your authority The cost of alternative accommodation in respect of the residential portion of buildings for the period necessary to repair them following insured damage Newly acquired or constructed buildings and alterations or additions to existing buildings within the territorial limits are insured from the time you are responsible for them until the next renewal date if not otherwise insured for the lesser of 10% of the Buildings sum insured or 250,000 The insurance will not be invalidated due to any act, omission or alteration that increases the risk of damage but is unknown to you or beyond your control Professional costs and expenses incurred in the eviction of squatters from insured properties 20% of the sum insured apportioned to the residential part of the buildings This feature is not available if the section is operative You must pay any appropriate additional premium Immediately you become aware of any such act, omission or alteration, you must pay any appropriate additional premium The maximum amount payable for all losses in any one period of insurance is 5,000 territorial limits is defined in the Definitions
3 BUSINESS INTERRUPTION This section covers loss of gross rent and additional costs of working following damage to the property insured by any cause not excluded Exclusions Loss arising from damage caused by malicious persons, escape of water or oil, theft or attempted theft and breakage of glass or sanitaryware whilst the buildings are unoccupied or not in use Loss arising from wear and tear, lack of maintenance or other gradual deterioration Loss arising from damage caused by contractors on the premises carrying out substantial alterations or extensions to buildings Loss arising from theft:- from the open or an outbuilding of contents from furnished accommodation unless involving forcible and violent entry to the buildings Loss arising from weather damage to fences, gates and other property in the open Loss arising from damage to property in the vicinity of the premises that hinders or prevents use of or access to the premises Loss arising from accidental failure of gas, water or electricity services at the insured premises Loss arising from closure of the premises due to vermin, pests, defects in drains or defective sanitation Damage to your property at Managing Agents premises within the territorial limits Periods of interruption lasting less than 24 hours Where the service is withheld by the supplier Loss due to a fault in the installation at your premises territorial limits is defined in the Definitions EMPLOYERS LIABILITY This section covers your legal liability to employees arising out of injury sustained by them during the course of their employment (including claimants costs and expenses) Legal defence costs in defending a claim are also insured, subject to our agreement Liability arising from work or visits offshore Injury involving motor vehicles in circumstances where motor insurance is required by law Injury involving mining, processing, manufacturing, removing, disposing of, distributing or storing of asbestos or products made entirely or mainly of asbestos injury, employee and offshore are defined in the Definitions Costs and expenses in connection with prosecutions and appeals against convictions arising under Health & Safety Legislation, subject to our agreement Court attendance compensation for directors, partners or employees attending court at our request as a witness in relation to a claim under this insurance This insurance will indemnify any principal for legal liability arising out of work carried out by you under a contract or agreement so long as indemnity would have been provided had the claim been made against you :- 500 per day for a director or partner 250 per day for an employee The principal must comply with the terms and conditions of the policy We must have full control of all claims director, partner and employee are defined in the Definitions
4 PROPERTY OWNERS LIABILITY This section covers your legal liability to third parties arising out of injury or damage to their property sustained by them arising out of ownership of the property insured (including claimants costs and expenses) Exclusions Liability arising out of any building or part of a building unoccupied for more than 21 consecutive days, unless you notify us and the buildings are adequately secured Liability arising out of pollution or contamination unless caused by a sudden identifiable unintended and unexpected occurrence Liability arising out of any site clearance, excavation, construction or structural alteration, extension or demolition Liability arising from work or visits offshore Injury involving mining, processing, manufacturing, removing, disposing of, distributing or storing of asbestos or products made entirely or mainly of asbestos The maximum amount payable in respect of all indemnity under this section in respect of or arising out of any one occurrence or series of occurrences attributable to one original cause or source will not exceed in the total the Limit of Indemnity Owners Liability pollution or contamination is defined in the Definitions offshore is defined in the Definitions The policy schedule shows the limit of indemnity Liability arising under Section 3 of the Defective Premises Act 1972 in relation to premises previously owned or leased but now disposed of Liability arising from injury or physical loss happening prior to the disposal of the premises is excluded Liability arising from physical loss to the premises disposed of or for remedying any defect in the premises disposed of is excluded Owners Liability Liability incurred by you, directors, partners, employees or members of your family arising from temporary overseas business visits If this Policy is issued in the joint names of more than one insured we will indemnify each party as though a separate policy has been issued to each of them Costs and expenses in connection with prosecutions and appeals against convictions arising under Health & Safety Legislation, subject to our agreement Court attendance compensation for directors, partners or employees attending court at our request as a witness in relation to a claim under this insurance Liability to pay compensation for damage or distress under section 13 of part II of the Data Protection Act Liability arising in North America or Canada rom a profession or trade from firearms, mechanically powered craft, non-domestic animals or property held in trust from injury to you, directors, partners, employees or family members is excluded :- 500 per day for a director or partner 250 per day for an employee The act or omission from which the liability arises must have occurred within the period of insurance and in connection with the business You must be correctly registered in accordance with the requirements of the Data Protection Act 1988 The insurance does not apply to any costs of replacing, reinstating, rectifying, destroying or erasing any data Owners Liability Owners Liability Owners Liability Owners Liability director, partner and employee are defined in the Definitions Owners Liability
5 PROPERTY OWNERS LIABILITY (Continued) This insurance will indemnify any principal for legal liability arising out of work carried out by you under a contract or agreement so long as indemnity would have been provided had the claim been made against you The principal must comply with the terms and conditions of the policy We must have full control of all claims Owners Liability We will also indemnify any director, partner or employee or fire or ambulance services if you so wish, so long as indemnity would have been provided had the claim been made against you We will indemnify you in respect of movement of any obstructing motor vehicle that is not under your control to allow access to the premises or the movement of another vehicle We must have full control of all claims Such person must not be entitled to indemnity under any other insurance The vehicle owners ignition key must be used to move the vehicle The person moving the vehicle must be competent to do so Cover does not apply in circumstances where compulsory insurance is required or to the vehicle itself or goods carried in or on it Owners Liability Owners Liability DIRECTORS AND OFFICERS LIABILITY Directors and officers of the flats management company are indemnified against liability in respect of their activities carried out for such flats management companies Costs and expenses incurred in defending actions in court in respect of the above are also insured Any claim must be first made against the director or officer during the period of insurance Indemnity is not provided to directors or officers in respect of malicious or fraudulent acts or omissions caused by them or that they are involved in The following are excluded:- the first 250 of any claim Breach of professional duty Punitive damages Claims made in the USA or Canada Claims for breach of duty owed by the Insured as occupier or owner of land or buildings Claims in relation to pollution or contamination of any kind Directors and Officers Liability See schedule for the limit of indemnity GENERAL EXCLUSIONS Loss damage or liability arising from any incident involving nuclear explosions, radiation or contamination from such incidents Acts of War or confiscation, nationalisation or requisition of property in times of war Loss damage or liability arising from acts of terrorism (other than in respect of compulsory insurance) General Exclusions Nov 2013
6 How to complain We are committed to treating our customers fairly. However, we realise that there may be times when things go wrong. If this happens, please use the most suitable contact from the following list. For complaints about claims, please phone or For complaints about policy administration and documents, please phone or If you are not happy with our final response, you may be able to pass your complaint to the Financial Ombudsman Service. More information is available from us or the Ombudsman. Financial Services Compensation Scheme We, Ageas Insurance Limited, are covered by the Financial Services Compensation Scheme (FSCS). If we fail to carry out our responsibilities under this policy, you may be entitled to compensation from the Financial Services Compensation Scheme. Information about the scheme is available at or by phone on Registered office address Ageas House, Hampshire Corporate Park, Templars Way, Eastleigh, Hampshire SO53 3YA Registered in England and Wales no Ageas Insurance Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.
Pollution or contamination unless arising from a defined peril. Malicious damage in Northern Ireland
Owners This document is a guide to the cover provided under your Owners policy. It is only a summary and does not contain the full terms and conditions of the contract. For full of your cover please read
More informationLandlord s Household Insurance Policy Summary
Landlord s Household Insurance Policy Summary This document is a guide to the cover provided under Your Landlords Household policy. It is only a summary and does not contain the full terms and conditions
More informationOPTIMA TRADE PLUS SUMMARY OF COVER
ABC OPTIMA TRADE PLUS SUMMARY OF COVER This document provides a guide to the cover provided. It is however only a summary of the terms of cover and does not contain full details of the insurance policy
More informationProperty Owner s Summary of Cover
Property Owner s Summary of Cover The following is a summary of the policy and does not contain the full terms and conditions, which can be found in the policy. It is important that you read the policy
More informationproperties Policy Summary
properties Policy Summary 2 Properties Policy Summary Properties Policy Summary Your RSA Properties Policy is an annual contract which may be renewed each year subject to your needs and our terms and conditions.
More informationLandlord Insurance. Summary of cover. October 2013. 35039_ACLD0520ZB_BRO_A5.indd 1 23/10/2013 16:20
Landlord Insurance Summary of cover October 2013 35039_ACLD0520ZB_BRO_A5.indd 1 23/10/2013 16:20 Why choose AXA s Landlord Insurance policy? The Landlord Insurance offers a range of covers and caters for
More informationAXA Buy to Let Policy Summary
AXA Buy to Let Policy Summary This policy summary does not contain full details and conditions of your insurance - these are located in your policy booklet. This policy is underwritten by AXA Insurance
More informationLandlord Insurance. Summary of cover
Landlord Insurance Summary of cover March 2013 Why choose AXA s Landlord Insurance policy? The Landlord Insurance offers a range of covers and caters for a variety of customers, from individuals who own
More informationYou should read this Summary of Cover in conjunction with your Policy Schedule and Policy Wording.
Summary of Cover iprism Retail Policy About Your Policy This document provides a summary of the cover provided by the iprism Retail Policy. This summary is provided to you for information purposes only
More informationOFFICE POLICY SUMMARY
Of OFFICE POLICY SUMMARY This is a summary of the standard cover available under the UK General Office Policy. The summary does not include all the policy benefits, limits and exclusions; full terms and
More informationCommercial Property Owners
Commercial Property Owners Policy Summary The Commercial Property Owners product is designed to meet the demands and needs of the majority of commercial landlords who wish to ensure their businesses are
More informationYou should read this Summary of Cover in conjunction with the Policy Schedule and Policy Wording.
Summary of Cover iprism Office Policy About Your Policy This document provides a summary of the cover provided by the iprism Office policy. This summary is provided to you for information purposes only
More informationRESIDENTIAL PROPERTY OWNERS INSURANCE POLICY SUMMARY
RESIDENTIAL PROPERTY OWNERS INSURANCE POLICY SUMMARY RESIDENTIAL PROPERTY OWNERS INSURANCE POLICY SUMMARY This document is a summary of your Policy and other key information about the insurance cover that
More informationRESIDENTIAL PROPERTY OWNERS INSURANCE POLICY SUMMARY
RESIDENTIAL PROPERTY OWNERS INSURANCE POLICY SUMMARY RESIDENTIAL PROPERTY OWNERS INSURANCE POLICY SUMMARY This document is a summary of your Policy and other key information about the insurance cover that
More informationLetsProtect Extensive cover for landlords
Countrywide Insurance Services LetsProtect Extensive cover for landlords Proud to be associated with www.countrywide.co.uk Information booklet LetsProtect information booklet Why choose LetsProtect from
More informationYour policy summary Buy to Let
Buildings and contents insurance for landlords Your policy summary Buy to Let February 2014 edition Contents How much cover do I need? 3 Features and benefits 4 Policy summary 6 Features and benefits 7
More informationAn insurance package designed for flat owners and residents of blocks of flats.
Flats Insurance Summary of Cover An insurance package designed for flat owners and residents of blocks of flats. Why choose AXA s Flats Insurance? AXA s Flats Insurance Policy offers you comprehensive
More informationCommercial Property Owners
Commercial Property Owners Policy Summary The Commercial Property Owners product is designed to meet the demands and needs of the majority of commercial landlords who wish to ensure their businesses are
More informationCOMMERCIAL COMBINED POLICY SUMMARY OF COVER
COMMERCIAL COMBINED POLICY SUMMARY OF COVER The Commercial Combined policy is an annual policy, which has been designed to meet the insurance needs of business today and is delivered to you by Bluefin
More informationBroker Direct Home Options Policy Summary
Broker Direct Home Options Policy Summary This policy summary does not contain full details and conditions of your insurance these are contained in your policy documents. Where a heading in UPPERCASE letters
More informationAXA s Flats Insurance Policy brought to you by Property UK offers you comprehensive standard cover plus optional extras.
Flats Insurance Summary of Cover March 2014 AXA s Flats Insurance Policy brought to you by Property UK offers you comprehensive standard cover plus optional extras. Someone to Help You When You Need It
More informationAn Insurance package suitable for businesses in the professional services industry for example solicitors, accountants etc.
Office Insurance Summary of Cover September 201 Edition An Insurance package suitable for businesses in the professional services industry for example solicitors, accountants etc. Why choose AXA s Offices
More informationPublic and Product Liability - General
Section 3E Public and Product Liability - General Definitions Business The business stated in the specification to this section and includes: a) the provision and management of canteen, sports, social,
More informationProperty Owners Insurance Policy Summary
Property Owners Insurance Policy Summary This is a Policy Summary only and does not contain full terms and conditions of the contract of insurance. These can be found in the Policy document, a copy of
More informationHOTELS & RESTAURANTS. Policy Summary
HOTELS & RESTAURANTS Policy Summary 2 Hotels & Restaurants Policy Summary HOTELS & RESTAURANTS Policy Summary Your RSA Hotels & Restaurants Policy is an annual contract which may be renewed each year subject
More informationAn Insurance package suitable for businesses in the professional services industry for example solicitors, accountants etc.
OFFICE INSURANCE Summary of Cover June 2005 Edition An Insurance package suitable for businesses in the professional services industry for example solicitors, accountants etc. Why choose AXA s Offices
More informationContractors Policy Summary UK General - Contractors Insurance Policy Summary 06.2014
Introduction This document provides a summary only of the significant aspects of cover (including restrictions) provided by the UK General Contractors Insurance Policy. For full details, please refer to
More informationThe Tradesmen policy is available for self employed persons and small businesses with up to 8 people and a turnover of 500,000 or less.
TRADESMEN Summary of Cover The Tradesmen policy is available for self employed persons and small businesses with up to 8 people and a turnover of 500,000 or less. Why choose AXA s Tradesmen policy? Tailor-made
More informationPolicy Summary Hospitality Insurance Underwriting Agencies (HIUA) Insurance Policy for Guest Houses
Policy Summary Hospitality Insurance Underwriting Agencies (HIUA) Insurance Policy for Guest Houses The information provided in this policy summary is key information you should read This Policy Summary
More informationPOLICY SUMMARY Please read carefully and retain. Property Insurance for Landlord s Buy to Let
POLICY SUMMARY Please read carefully and retain Property Insurance for Landlord s Buy to Let Property Insurance for Landlord s Buy to Let Policy Summary GENERAL This insurance is designed to provide You
More informationTo ensure that this Policy continues to meet your needs you should review and update your cover periodically.
Summary of Cover iprism Tradesman & Contractor Policy This document provides a summary of the cover provided by the iprism Tradesman & Contractor policy. This summary is provided to you for information
More informationIndependent Living Insurance. Policy Summary
Independent Living Insurance Policy Summary Independent Living Insurance This summary does not contain the full terms and conditions of your policy. Please refer to your policy document for the full terms
More informationWORKING FROM HOME. Summary of Cover
WORKING FROM HOME Summary of Cover An insurance package for your business available for many occupations where the business is home based. Why choose AXA s Working From Home Package? Tailor-made for Your
More informationResidential Property Owners Insurance Policy Summary
Residential Property Owners Insurance Policy Summary This is a Policy Summary only and does not contain full terms and conditions of the contract of insurance. These can be found in the Policy document,
More informationResidential Landlords Policy Summary
Residential Landlords Policy Summary The Residential Landlords product is designed to specifically meet the insurance needs of landlords who wish to ensure their properties are protected. This policy summary
More informationResidential Property Owners
Residential Property Owners Policy Summary The insurance cover is provided by Liberty Mutual Insurance Europe Limited & Aro Underwriting Group Limited The Residential Property Owners policy is a flexible
More informationSummary of Cover September 2013 Edition
Surgeries Insurance Policy Summary Surgeries Insurance Summary of Cover September 201 Edition An insurance package for doctors, dentists and vets. Why choose AXA s Surgeries Insurance Package? AXA s Surgeries
More informationTenants Contents Insurance Policy Summary
Tenants Contents Insurance Policy Summary This document is a guide to the cover provided under Your Tenants Contents policy. It is only a summary and does not contain the full terms and conditions of the
More informationAbout Your Simple Insurance Policy. Landlords Buildings & Contents Legal Expenses Rent Guarantee Home Emergency Cover
About Your Simple Insurance Policy Landlords Buildings & Contents Legal Expenses Rent Guarantee Home Emergency Cover About Your Simple Insurance Policy The Financial Conduct Authority The FCA is the independent
More informationResidential Property Owners
Residential Property Owners Policy Summary The Residential Property Owners Policy is a flexible Policy offering cover on a sum insured basis for loss or damage to buildings and/or contents. It is designed
More informationBusiness. Policy Summary
Business Policy Summary 2 Business Policy Summary Business Policy Summary Your RSA Business Policy is an annual contract which may be renewed each year subject to your needs and our terms and conditions.
More informationProperty Owners Policy Summary
NPA Insurance Ltd Working for Community Pharmacy Property Owners Policy Summary This Policy Summary provides a a summary of of the the features, benefits benefits and and significant significant exclusions
More informationTradesman Essential Per Capita Liability Insurance Summary of Cover
Tradesman Essential Per Capita Liability Insurance www.towergate.co.uk This leaflet provides a summary of the significant features, benefits and limitations of the cover provided by your Tradesman Essentials
More informationProperty Owners Policy Summary UK General - Property Owners Policy Summary 02.2014
This document provides a summary only of the significant aspects of cover (including restrictions) provided by our Property Owners Insurance Policy. This summary does not describe all the terms and conditions
More informationSIGNIFICANT FEATURES AND BENEFITS: Your policy includes the following features, which are explained in detail in your Policy Booklet:
Motor Trade Policy Summary Some important facts about your Motor Trade Insurance are summarised below. This summary does not describe all the terms and conditions of your policy, so please take time to
More informationGeneral Insurance. AMP Landlord Plan Policy
General Insurance AMP Landlord Plan Policy June 2010 Landlord Plan Policy Document Thank you for choosing us to provide you with your insurance cover. Arranging insurance means you are making a legal contract
More informationcontractors Policy Summary
contractors Policy Summary 2 Contractors Policy Summary Contractors Policy Summary This is an annually renewable Contractors Annual Insurance underwritten by Royal & Sun Alliance Insurance plc. The information
More informationWORKING FROM HOME. Summary of Cover
WORKING FROM HOME Summary of Cover An insurance package for your business available for many occupations where the business is home based. Why choose AXA s Working From Home Insurance Package? Tailor-made
More informationBUY TO LET. Buildings and contents insurance for landlords Information leaflet and policy summary December 2007 edition
BUY TO LET Buildings and contents insurance for landlords Information leaflet and policy summary December 2007 edition Welcome to AXA Welcome to the expertise and quality of the AXA Group Respect With
More informationResidential Landlords Insurance. Policy Summary
Residential Landlords Insurance Policy Summary Amlin Residential Landlords Insurance policy summary This insurance is designed to provide you with a wide range of standard cover in connection with the
More informationenable Policy Document for NANNY EMPLOYERS EMPLOYERS LIABILITY INSURANCE INSURANCE SERVICES
EMPLOYERS LIABILITY INSURANCE for NANNY EMPLOYERS Policy Document WELCOME In 1993 a former bookkeeper recognised a need in the domestic employment industry and introduced the concept of a dedicated, user-friendly
More informationPOLICY SUMMARY. Landlords insurance. We have designed this policy to protect the property and your contents.
POLICY SUMMARY. Landlords insurance We have designed this policy to protect the property and your contents. POLICY SUMMARY. This policy summary is only a brief guide to your cover and exclusions. You can
More informationContractors. Policy Summary
Contractors Policy Summary 2 Contractors Policy Summary Contractors Policy Summary Your Tower Insurance Contractors Policy is an annual contract underwritten by Tower Insurance Company Limited which may
More informationPROPERTY DAMAGE. Policy summary Chaucer Property Owners Policy. About your policy. Extensions
Policy summary Chaucer Property Owners Policy The following summary does not contain the full terms and conditions of the contract which can be found in the policy document. The summary does not form part
More informationHome Insurance. Your policy summary AXA ABC
Home Insurance Your policy summary AXA ABC February 2014 Policy summary This policy summary does not contain full details and conditions of your insurance these are located in your policy booklet. This
More informationBright Home Insurance Policy Summary
Bright Home Insurance Policy Summary This is a summary of the policy and does not contain the full terms and conditions of the cover, which can be found in the policy documentation. It is important that
More informationThe Professionals policy is available for small businesses with up to 8 people and a turnover of 500,000 or less.
PROFESSIONALS Summary of Cover The Professionals policy is available for small businesses with up to 8 people and a turnover of 500,000 or less. Why choose AXA s Professionals policy? Tailor-made for your
More informationThe Tradesmen policy is available for self employed persons and small businesses with up to 8 people and a turnover of 500,000 or less.
TRADESMEN Summary of Cover The Tradesmen policy is available for self employed persons and small businesses with up to 8 people and a turnover of 500,000 or less. Why choose AXA s Tradesmen policy? Tailor-made
More informationNAME OF INSURER: Chaucer Insurance - a trading name of an authorised Lloyd's syndicate managed by Chaucer Syndicates Limited.
Motor Trade Policy Summary Some important facts about your Motor Trade Insurance are summarised below. This summary does not describe all the terms and conditions of your policy, so please take time to
More informationLIABILITY Policy Summary
LIABILITY Policy Summary 2 Liability Policy Summary LIABILITY Policy Summary This policy is an annually renewable Liability insurance, underwritten by Royal & Sun Alliance Insurance plc. which may be renewed
More informationGuide to property insurance cover
Guide to property insurance cover Introduction All properties require some form of insurance and we have arranged a comprehensive block building insurance for our properties. This provides cover for all
More informationSummary of Cover Commercial Retail Policy
Summary of Cover Commercial Retail Policy The information provided in this policy summary is key information you should read. This policy summary does not contain the full terms and conditions of the cover,
More informationSUMMARY OF COVER. Max 10/10 Liability and Construction
SUMMARY OF COVER Max 10/10 Liability and Construction Liability & Construction Max 10/10 Policy Summary of Cover This leaflet provides a summary of the significant features, benefits and of the cover provided
More informationHome Household Insurance
Home Household Insurance Policy Summary The insurance cover for sections A-D is provided by Covéa Insurance plc, Norman Place, Reading, Berkshire, RG1 8DA. The insurance cover for section E Legal Protection
More informationCountrywide Insurance Services. Home protection plan. Exclusive to Countrywide. Proud to be associated with. www.countrywideinsurance.co.
Countrywide Insurance Services Home protection plan Exclusive to Countrywide Proud to be associated with www.countrywideinsurance.co.uk Information booklet Home protection plan information booklet Rebuilding
More informationShops Insurance. Summary of Cover September 2013 Edition. An Insurance Package for Retailers and Franchises. Why choose AXA s Shops Insurance Package?
Shops Insurance Summary of Cover September 201 Edition An Insurance Package for Retailers and Franchises. Why choose AXA s Shops Insurance Package? AXA s Shops Insurance Package offers you generous levels
More informationLet Property FlexiLet Buildings and Contents Insurance Summary of Cover
Let Property FlexiLet Buildings and Contents Insurance Summary of Cover www.towergate.co.uk Towergate Underwriting Let Property Flexilet Policy Summary Cover under this policy is arranged by Towergate
More informationLandlords Insurance. Policy Summary. Page 1
Landlords Insurance Policy Summary Page 1 Landlords Insurance Policy Summary Your Landlords Insurance Underwriter is Aviva. Your Landlords Insurance is an annual contract and may be renewed each year subject
More informationHaven Home Insurance Policy Key Facts
Haven Home Insurance Policy Key Facts Please note that this is a policy summary only and does not contain the full terms and conditions of the contract. Full terms and conditions can be found in the Policy
More informationBusiness Insurance. Summary of cover
Business Insurance Summary of cover This is a brief summary of the cover we will provide if you buy Business Insurance. For full details of the cover, terms and conditions please read the full Policy wording,
More informationTo ensure that this Policy continues to meet your needs you should review and update your cover periodically.
Summary of Cover iprism Retail Policy About Your Policy This document provides a summary of the cover provided by the iprism Retail Policy. This summary is provided to you for information purposes only
More informationHOME INSURANCE POLICY SUMMARY
HOME INSURANCE POLICY SUMMARY HOME INSURANCE POLICY SUMMARY This document is only a summary of your Policy and other key information about the insurance cover that you should read. It does not contain
More informationConstruction Project All Risks
Allianz Insurance plc Construction Project All Risks Product Information This information is for intermediaries only Construction Project All Risks Insurance Policy Wherever there is the construction of
More informationHOME INSURANCE. Your Home Solutions policy summary
HOME INSURANCE Your Home Solutions policy summary Home Solutions policy summary About your home insurance This is a summary of the cover available under the Home Solutions insurance policy and does not
More informationLandlord s Insurance+ Policy Summary
Landlord s Insurance+ Policy Summary This document provides a summary of the cover provided. Full details can be found in the policy wording, which is available online at homelet.co.uk or by request. A
More informationFeatures of a NatWest Essentials Home Contents Insurance Policy
Your Policy Summary Please read this document carefully which provides a summary of cover. It does not show all of the benefits, exclusions or limits. Please refer to the policy booklet and policy schedule
More informationHOME INSURANCE HOME SOLUTIONS POLICY SUMMARY: THE IMPORTANT THINGS YOU NEED TO KNOW
HOME INSURANCE HOME SOLUTIONS POLICY SUMMARY: THE IMPORTANT THINGS YOU NEED TO KNOW Home insurance policy summary Home Solutions policy summary About your home insurance This is a summary of the Home Solutions
More informationProperty Owners Insurance Proposal Form
Property Owners Insurance Proposal Form This proposal form is NOT for use by Consumer Customers It is essential you provide us with ALL MATERIAL FACTS. Failure to disclose any material facts may invalidate
More informationGENERAL LIABILITY - PUBLIC AND PRODUCTS LIABILITY
GENERAL LIABILITY - The General Terms and Conditions and the following terms and conditions all apply to this section. SPECIAL DEFINITIONS FOR THIS SECTION Bodily injury Defence costs Denial of access
More informationBusiness Combined Insurance. Summary of cover
Business Combined Insurance Summary of cover Property damage section Insurance cover to protect buildings, contents, stock and other items against damage caused by an insured peril Wording options Basis
More informationHome Insurance Policy. In association with
Home Insurance Policy In association with Home Insurance Policy The following summary does not contain the full terms and conditions of the contract which can be found in the insuring document, a copy
More informationTradesmen Insurance. Summary of cover
Tradesmen Insurance Summary of cover December 2013 Why choose AXA s Tradesmen Insurance policy? Tailor-made for your business The Tradesmen Insurance is available to self employed people whose business
More informationA business insurance package available for self employed persons and small businesses (including limited companies) with up to 5 employees.
6758_WLI354NZ_POL.qxd 17/8/04 8:49 Page 1 VENTURE PLUS Summary of Cover A business insurance package available for self employed persons and small businesses (including limited companies) with up to 5
More informationspecialist landlords insurance
landlords key facts specialist landlords insurance LetRisks Landlords Insurance Key Facts LetRisks Specialist Landlords Insurance is underwritten by Electrical Contractors Insurance Company Limited (ECIC)
More informationPier Insurance Policy Wording
Contents: Pier Insurance Policy Wording Summary of Cover: Sections A Terms of Business B Terms & Conditions C Key Facts D Demands & Needs statement 1 Electronic Equipment Terms & Conditions Definitions
More informationOAK. HIGH VALUE HOME INSURANCE policy summary OAK UNDERWRITING PLC
OAK HIGH VALUE HOME INSURANCE policy summary OAK UNDERWRITING PLC High Value Home Insurance Policy Summary This document is an overview providing key information about our product. Please see our wording
More informationContractors' Combined Liability Insurance Summary
Contractors' Combined Liability Underwritten by a member of the QBE Insurance Group (QBE) This insurance is an annual contract unless stated otherwise in the quotation or renewal documentation and as confirmed
More informationCOMMERCIAL PROPERTY OWNERS POLICY
C ontessa Limited COMMERCIAL PROPERTY OWNERS POLICY Contessa Limited Property Owners ROI PO 2016 v1 1 P a g e CONTENTS Page 3 Introduction and Your Obligations 6 The Contract of Insurance & General Insuring
More informationPROPERTY OWNERS INSURANCE PROPOSAL
PROPERTY OWNERS INSURANCE PROPOSAL Please use BLOCK CAPITALS and tick boxes where applicable. Where requested enter further details in the space provided. If there is insufficient space please continue
More informationPublic Liability Insurance for Start Ups. Policy Details (including Policy Summary pages 1-2)
Public Liability Insurance for Start Ups Policy Details (including Policy Summary pages 1-2) Policy Summary This is a Policy Summary only and does not contain full terms and conditions of the contract
More informationPublic and Products Liability
Zurich contractors combined insurance This leaflet provides a summary of the significant features, benefits and limitations of the cover provided by the Zurich policy. The full terms, conditions and exclusions
More informationHome Household Insurance
Home Household Insurance Policy Summary The Home Insurance policy is a flexible policy offering cover on a sum insured basis for loss or damage to buildings and/or contents. You specify the levels of cover
More informationInsurer Thistle Underwriting acting in an underwriting capacity on behalf of those Lloyd s Underwriters subscribing to the above policy.
CONTRACTORS & ENGINEERS POLICY Please read this document carefully This is a summary of the cover provided by your Policy. It contains references to the key features and benefits of the Policy as well
More informationLANDLORDS INSURANCE POLICY SUMMARY LANDLORDS INSURANCE KEY FEATURES.
1 LANDLORDS INSURANCE POLICY SUMMARY LANDLORDS INSURANCE KEY FEATURES. LANDLORDS INSURANCE INTRODUCTION 1 ABOUT LEGAL & GENERAL. The Legal & General Group, established in 1836, is one of the UK s leading
More informationPlease read this document carefully. Full terms and conditions can be found within the Policy Document.
Product Summary Please read this document carefully. Full terms and conditions can be found within the Policy Document. Direct Line Business from Home Insurance Policy The Business from Home policy is
More informationParagon Advance Landlords Buildings & Contents Policy Underwritten by Zurich Insurance plc. Summary of Cover
Paragon Advance Landlords Buildings & Contents Policy Underwritten by Zurich Insurance plc Summary of Cover Summary of Cover Important you should read this This leaflet provides a summary of the significant
More informationMotor Trade Policy Summary We re here, whatever your business
Motor Trade Policy Summary We re here, whatever your business This is a summary of the policy and does not contain the full terms, conditions and exceptions of the cover, which can be found in the policy
More informationTenants Contents Insurance Policy Summary
Tenants Insurance Policy Summary This is a summary and does not contain the full terms and conditions of the cover, which can be found in the Tenants Policy Wording version 0709. It is important that you
More informationSUMMARY OF COVER. Foundation Home Insurance
SUMMARY OF COVER Foundation Home Insurance Towergate Underwriting Household Foundation - Policy Summary Some important facts about your Towergate Underwriting Household Foundation insurance are summarised
More informationSmall Business Office Summary of Cover CONTENTS
Small Business Office Summary of Cover CONTENTS What is a Summary of Cover This Summary of Cover was written to provide you with the main features of our Contents insurance. The purpose of this document
More information